Auto Loans · Charleston, West Virginia

Best Credit Union Car Loan Rates in Charleston, West Virginia

11 credit unions in Charleston report car loan rates to the NCUA. Rates range from 4.25% to 6.60%.

Updated Q1 2026 · NCUA Call Report data

CUs Reporting Rates

4.25%

Lowest New Car Rate

5.68%

City Average Rate

New Vehicle Loan Rates — Charleston, West Virginia

11 credit unions sorted by APR

#	Credit Union	New Car APR	Used Car APR
1	CHA-TEL ★ 5.0 · 4 reviews	4.25%	5.25%
2	WV NATIONAL GUARD ★ 3.7 · 3 reviews	4.99%	5.02%
3	LOCAL NO. 317 I.A.F.F. ★ 5.0 · 2 reviews	5.00%	6.00%
4	MEMBERS CHOICE WV ★ 4.1 · 36 reviews	5.19%	6.30%
5	PIONEER APPALACHIA ★ 3.7 · 37 reviews	5.51%	5.79%
6	THE STATE ★ 3.2 · 25 reviews	5.81%	6.15%
7	CAMC ★ 3.9 · 21 reviews	5.93%	6.86%
8	CHARLESTON ★ 4.8 · 6 reviews	6.25%	7.00%
9	CHARLESTON POSTAL ★ 4.2 · 6 reviews	6.43%	7.35%
10	ELEMENT ★ 4.3 · 35 reviews	6.47%	8.22%
11	STAR USA ★ 2.9 · 26 reviews	6.60%	7.05%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Used Vehicle Loan Rates — Charleston, West Virginia

11 credit unions sorted by APR

#	Credit Union	Used Car APR	New Car APR
1	WV NATIONAL GUARD ★ 3.7 · 3 reviews	5.02%	4.99%
2	CHA-TEL ★ 5.0 · 4 reviews	5.25%	4.25%
3	PIONEER APPALACHIA ★ 3.7 · 37 reviews	5.79%	5.51%
4	LOCAL NO. 317 I.A.F.F. ★ 5.0 · 2 reviews	6.00%	5.00%
5	THE STATE ★ 3.2 · 25 reviews	6.15%	5.81%
6	MEMBERS CHOICE WV ★ 4.1 · 36 reviews	6.30%	5.19%
7	CAMC ★ 3.9 · 21 reviews	6.86%	5.93%
8	CHARLESTON ★ 4.8 · 6 reviews	7.00%	6.25%
9	STAR USA ★ 2.9 · 26 reviews	7.05%	6.60%
10	CHARLESTON POSTAL ★ 4.2 · 6 reviews	7.35%	6.43%
11	ELEMENT ★ 4.3 · 35 reviews	8.22%	6.47%

Rates from NCUA Call Report (5300) filings, updated Q1 2026. Actual rate depends on credit score and loan term.

Get Pre-Approved Before the Dealership

A pre-approval from a Charleston credit union lets you negotiate on price, not payment. The dealer can try to beat the rate — but you're in control either way.

Rate Shopping Won't Hurt Your Credit

Multiple auto loan applications within 14–45 days count as a single hard inquiry. Apply at several credit unions in Charleston in the same window and take the best offer.

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